Credit Cards · El Monte, California

Best Credit Union Credit Card Rates in El Monte, California

3 credit unions in El Monte report credit card APRs to the NCUA. Rates range from 10.90% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.90%

Lowest Card APR

13.56%

City Average APR

Credit Card APRs — El Monte, California

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	EL MONTE COMMUNITY ★ 3.5 · 19 reviews	10.90%	12.99%
2	CERTIFIED ★ 4.3 · 88 reviews	11.77%	14.03%
3	RIZE ★ 4.8 · 930 reviews	18.00%	14.00%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in El Monte could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most El Monte credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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